KENTUCKY RETAIL FEDERATION INC (EIN 610607347) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1963

Legal Domicile

Principal Officer

TOD GRIFFIN

Phone

5028751444

Tax Period

2025-01-01 to 2025-12-31

KENTUCKY RETAIL FEDERATION INC, founded in 1963, is a small nonprofit that reported $920K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. Expenses of $1.1M exceeded revenue, resulting in a 15% operating deficit.

Mission

TO ENHANCE THE RETAIL CLIMATE IN KENTUCKY THROUGH LEGISLATIVE AND REGULATORY ACTIVITY. PROVIDE INFORMATION AND EDUCATION TO MEMBERS AND THE GENERAL PUBLIC AND MEMBER SERVICES.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $587,402

Program Service Revenue $9,250

Investment Income $133,511

Other Revenue $189,797

TOTAL REVENUE $919,960

Expense Breakdown

Grants Paid $0

Salaries & Benefits $835,999

Fundraising Expenses $0

Other Expenses $222,162

TOTAL EXPENSES $1,058,161

Year-over-Year Comparison

	2025	2024	Change
Revenue	$919,960	$1,078,974	-0.1%
Expenses	$1,058,161	$1,066,237	0.0%
Net Income	$-138,201	$12,737	-11.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$595,419

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOD GRIFFIN	PRESIDENT	40.00	Officer	$170,000	$75,221	$245,221
SHANNON STIGLITZ	SR V PRESIDE	40.00	Officer	$139,256	$36,058	$175,314
CASSIE GRIGSBY	SR V PRESIDE	22.50	Officer	$73,456	$18,389	$174,884
TRAVIS FARMER	CHAIR	N/A	Officer Director	$0	$0	$0
MATT BURNETT	CHAIR-ELECT	N/A	Officer Director	$0	$0	$0
JOHN HACKETT	DIRECTOR	N/A	Director	$0	$0	$0
RONNIE BARNETT	DIECTOR	N/A	Director	$0	$0	$0
JEFF PENDLETON	DIRECTOR	N/A	Director	$0	$0	$0
ADAM HINTON	DIRECTOR	N/A	Director	$0	$0	$0
JOHNATHAN MCCREEY	DIRECTOR	N/A	Director	$0	$0	$0
ED MCCOY	DIRECTOR	N/A	Director	$0	$0	$0
KENT CLARK	DIRECTOR	N/A	Director	$0	$0	$0
ALICIA DAWSON	DIRECTOR	N/A	Director	$0	$0	$0
MICHAEL WELLS	DIRECTOR	N/A	Director	$0	$0	$0
TRAVIS DOSTER	DIRECTOR	N/A	Director	$0	$0	$0
RACHEL ROSS	DIRECTOR	N/A	Director	$0	$0	$0
BRIAN GAMBERINI	DIRECTOR	N/A	Director	$0	$0	$0
BRAD CONNELL	DIRECTOR	N/A	Director	$0	$0	$0
AHMED YOUNG	DIRECTOR	N/A	Director	$0	$0	$0
KEVIN CRANLEY	DIRECTOR	N/A	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$919,960	$1,058,161	$1,411,511	$-138,201
2024	No data	No data	No data	No data
2023	$1,032,025	$1,075,021	$1,536,975	$-42,996
2022	$994,989	$986,660	$1,579,971	$8,329
2021	$990,927	$911,792	$1,571,642	$79,135
2020	$1,039,072	$1,015,425	$1,492,507	$23,647
2019	$1,070,102	$969,084	$1,468,860	$101,018
2018	$1,024,974	$991,805	$1,367,842	$33,169

KENTUCKY RETAIL FEDERATION INC